Having dental insurance or a dental benefit plan can make it easier to get the dental care you need. But most dental benefit plans do not cover all dental procedures. Your dental coverage is not based on what you need or what your dentist recommends. It is based on how much your employer pays into the plan. Almost all dental plans are a contract between your employer and an insurance company. Your employer and the insurer agree on the amount your plan pays and what procedures are covered.
One of the more frequent questions we hear in the dental office is, “will my insurance cover this?” It’s no secret that the cost of healthcare is rising. What is not rising, unfortunately, is the percentage at which dental insurance covers dental treatment. Did you know that the maximum benefit for dental insurance has stayed the same for 40 years?! That’s right, the $1000-$2000 yearly benefit you were getting in 1975 is the same benefit you are getting today. Had dental insurance kept up with inflation, you would be receiving almost $8000 in benefits every year!
Make Your Dental Health the Top Priority
Often, you may have a dental care need that is not covered by your plan.
When deciding on treatment, dental benefits should not be the only thing you consider. Your treatment should be determined by you and your dentist.
Although you may be tempted to make decisions about your dental care based on what insurance will pay, remember that your health is the most important thing.
For more information about taking care of your mouth and teeth, visit www.MouthHealthy.org, the ADA’s website just for patients.